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Hi, appreciate your sharing. Able to meet up to share the process, have to sell off current unit with valid exercised option to purchased to apply for HFE letter.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Good day to you.

If both of you are looking for a resale 3-room flat or a smaller unit, you are eligible to apply under the Silver Housing Scheme as long as the annual value of your current home is under $21,000. If the annual value is above $21,000 but below $31,000, you may want to reconsider your application in December 2025. However, if you are in search of a larger HDB unit or if the annual value of your current property exceeds $31,000, both of you will need to sell your existing property and wait for 15 months before you can buy resale HDB units.

Let's get into a discussion and work things out together.

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This is a common issue for seniors with existing property applying for HFE. In short, I can help you resolve it on the backend with HDB, just need you to drop me a message and you will get your HFE smoothly.

I'm a Harvard graduated real estate agent and a decade of experience working on Singapore public policy. Please whatsapp or email me via my contact below so I can help, I do this for free.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi Julie,

This is quite a common issues faced by my private property owners. You just have to call in to HDB hotline at 1800 866 3066 and the officer will help you to resolve the issue at the backend and you will be able to register for the HFE.

I have assisted many clients who are in the same situation to transit from a private property to a HDB flat as part of their retirement planning. You can choose either to purchase the HDB flat first or to sell condo first depending on your individual situation and both options have its pros and cons.

It is especially important to plan the timeline and finances before you make the move so that you are able to transit smoothly and seamlessly from one property to the other. Please feel free to contact me so that I can understand your situation and assist you further!

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

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Selling our house was a pretty stressful ordeal, as we have already committed to buying our new home and hence have a timeline to meet. Losing a substantial deposit and worse still, not getting our dream home caused many sleepless nights as we are nearing our deadline. I am very glad we have decided to switch to Nic Read More

Hi there,

I understand your concern — this is a common question for owners looking to downgrade to HDB under the HDB’s Retirement / Downsizing Scheme. Here’s how it works:
1. HDB Eligibility for Resale
• Normally, to buy a resale HDB, you need a HDB Loan Eligibility (HLE) or HFE letter.
• HDB checks that you do not currently own any private residential property. That’s why your HFE application is blocked — the system sees your condo ownership.
2. Sequence for Downsizing / Selling Condo
• For retirees (55+), HDB allows a “Sell First, Buy Later” approach if you own private property, because you cannot hold both at the same time for HDB loan eligibility.
• This means you must sell your condo first to free up eligibility for the resale HDB and to obtain the HFE letter.
• After selling, you can submit your HFE application and proceed to sign OTP for the resale HDB.
3. Alternative Approach
• If you want to lock in a resale HDB, you may need to negotiate a longer option period (OTP) with the seller to give yourself time to complete your condo sale.
• Some buyers use bridging loans from banks temporarily, but HDB loans will still require the private property to be sold first.

Bottom line: For your situation, yes — you generally need to complete the sale of your condo before you can apply for HFE and buy the resale HDB under HDB loan financing.

If you like, I can guide you on timelines and a step-by-step plan to make the condo sale and resale HDB purchase smooth, so you don’t risk missing any deadlines.

Aren Goh | PropNex Realty
???? 9657 6701  Read More

✔ “Simplicity is the ultimate sophistication.” – Leonardo da Vinci ✔

**Downsizing to a Resale HDB – Key Points:**

(✔1) **Eligibility under Silver Housing Scheme (SHS):**

* For resale 3-room or smaller flats, **annual value (AV) ≤ $21,000** → eligible.
* AV between **$21,000–$31,000** → may reconsider in **Dec 2025**.
* AV > $31,000 or seeking larger units → **must sell existing property** and wait **15 months** before buying HDB resale.

(✔2) **HDB Eligibility / HFE Letter:**

* To buy resale HDB, you need **HDB Loan Eligibility (HLE) / HFE letter**.
* **Ownership of private property** blocks HFE application — system detects condo ownership.

(✔3) **Sequence for Downsizing / Selling Condo:**

* Retirees (55+) can use **“Sell First, Buy Later”** approach.
* **Sell condo first**, then apply for HFE, then sign OTP for resale HDB.

(✔4) **Alternative Approaches:**

* **Negotiate longer OTP** with seller to allow time for condo sale.
* **Bridging loans** can help temporarily, but HDB loan still requires private property sale.

(✔5) **Bottom line:** Complete **condo sale first** before applying for HFE and buying resale HDB with HDB financing.

✔ “The art of being wise is knowing what to overlook.” – William James ✔
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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O3.Otto Place EC – Pl Read More

You may wish to call into HDB for assistance. As a private property downgrader with both of you above 55 years old, you should be eligible to purchase a 4 room or smaller HDB in the resale market. There should be some small hiccup during the process. Read More

Hi,

1) This has been an issue since 30th Dec 2022 after the cooling measure was implemented.
2) The HDB properly thought this is a temporary measure and will not last longer than a year.
3) This was the main reason there was nothing done to edit the coding of the current HFE application.
4) You have to contact the HDB directly to help you to apply your HFE.

All The Best!!!

Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
The best way to get a follow-up is to Whatsapp or email us directly. Read More

hi,

Since both of you are above 55 years old you should be able to buy a HDB 4R or smaller after selling your current condo. Please call hdb hotline 1800 866 3066 for assistance to apply for HFE.

Hope this helps,

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

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-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
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Hi do contact me at 97970200  to understand more and discuss.

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